#balance

Balance transfer offers, which one is better?

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Balance transfer offers, which one is better? I am getting serious about paying off my credit card debts. I have about 14k on one card that im considering balance transferring to another card that is almost paid off. Offer 1: 0% APR for 12 months, 4% transfer fee Offer 2: 6.99% APR for 18months. 0% transfer fee After offer ends we back at 26% APR im hoping to get it all paid off before 12mo…

Reddit Personal Finance 612 2025-03-05

KIA Finance reported false delinquency after lease payoff – account shows $0 balance and 100% payment history. How to dispute?

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KIA Finance reported false delinquency after lease payoff – account shows $0 balance and 100% payment history. How to dispute? I recently closed my KIA lease after paying off the remaining balance in full. Two months later, KIA Finance reported a ‘negative pay’ delinquency on my credit report, despite the account showing a $0 balance and 100% on-time payment history throughout the lease. This seems like an obvious error since I have documentation of the completed payoff…

Reddit Personal Finance 779 2025-02-23

Interest charge after paying the statement balance?

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Interest charge after paying the statement balance? So I’ve had credit cards for over 12 years and for the first time because of some unexpected expense I didn’t have enough in my bank account to pay the full statement balance for my Chase credit card. I transferred some money out of my Robinhood but it would take a few days to come in so I decided to pay an amount above the min balance and leave…

Reddit Personal Finance 442 2025-02-18

401k balance suddenly at zero

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401k balance suddenly at zero I’m not sure what’s just happened, but one of my 401k accounts (has/had ~$7,000 balance as it’s pretty new) just dropped to zero and I can’t access the account. The only reason I know it’s at zero is because I have it linked to my credit union, so I can see the balance in my credit union app, but I cannot log in on the actual 401k site and it sa…

Reddit Personal Finance 460 2025-02-16

Best Way to Pay Credit Card Balance

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Best Way to Pay Credit Card Balance Hello! I would like to asks to your insights for the best way to pay my credit card balance. Im using Unionbank Lazada CC with 3% monthly interest. I have a balance of P103K . Now, I can pay 7k a month for it . I am contemplating if I should lend money from gcash with maximum of 45k with 1.59% interest monthly and 3% Processing fee of P1,350 so …

Reddit Personal Finance 741 2025-02-13

LPT: If you need to walk over a sheet of ice/sleet, squat, and shuffle your feet to get over it, while using your fingers to maintain balance. Get as close to the ground as you can; a lower center of gravity will make it harder to fall over. This is an easy way to prevent you from getting hurt.

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LPT: If you need to walk over a sheet of ice/sleet, squat, and shuffle your feet to get over it, while using your fingers to maintain balance. Get as close to the ground as you can; a lower center of gravity will make it harder to fall over. This is an easy way to prevent you from getting hurt. submitted by /u/Drew_Ferran

Life Pro Tips 1.2k 2025-02-10

What white Balance in camera when the sing color card?

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What white Balance in camera when the sing color card? Shooting RAW into capture one in a studio setting. I’ve been using Daylight Balance in the camera as that’s what the strobes are supposed be. I then neutralize the darker grey midtone one the color card. That’s how I’ve always done it because that’s what I was taught years ago. Is that still correct? Was it ever? My OCD needs to know. subm…

Ask Photography 518 2025-02-08

Balance transfer sent to wrong address

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Balance transfer sent to wrong address I submitted a balance transfer on January 9th as of January 23th it says check was sent then Janurary 28th check was cleared from citi it has since posted to my account to a different creditor (best egg) sent it to a PO Box as that’s where payments are sent but when I called citi they were off by one number. Citi has open an investigation but wh…

Reddit Personal Finance 728 2025-02-04

How do you balance off camera flash with golden hour colors?

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How do you balance off camera flash with golden hour colors? I have been doing some portrait work with friends and family trying to build my portfolio. I recently noticed that when I shoot golden hour and use flash to fill my subject, there is a stark color temp difference between what the flash lights and the warm glow of golden hour ambient light. I am not struggling with balancing exposure. It’s the c…

Ask Photography 1.1k 2025-02-03

What’s worse? High interest personal loan or high credit utilization due to personal loan balance transfer?

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What’s worse? High interest personal loan or high credit utilization due to personal loan balance transfer? Can I transfer a personal loan (with super high interest) to a 0% balance transfer credit card that is a longstanding card (so no new credit dings) BUT it will utilize 90% of the card (pretty much max it out AND will tear up my utilization percentage. What’s the risk vs ratio here? It’s a large transfer and the card accepting it will allow it bu…

Reddit Personal Finance 1.2k 2025-02-03

How Do You Balance Saving for the Future vs. Enjoying Life Now?

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How Do You Balance Saving for the Future vs. Enjoying Life Now? I’m 35, have a stable income, a young daughter, and a small side hustle that brings in a little extra but not a lot. My finances are in decent shape—I save, invest, and live within my means. But lately, I’ve been thinking a lot about balance. On one hand, I want to be responsible: build a strong retirement fund, contribute to my daughter’s futur…

Reddit Personal Finance 1.2k 2025-02-02

If I pay off my full statement balance but make new charges before the due date, will I owe interest?

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If I pay off my full statement balance but make new charges before the due date, will I owe interest? Hey guys, I need some clarification: I want to carry small balances on my credit card statements for credit score reasons but never pay interest. My last statement on 1/16 showed a $250 balance, with a due date of 2/10. Before 2/10, I paid $250 but also spent another $50 on the card. When my next statement closes on 2/16, will that new $50 be s…

Reddit Personal Finance 395 2025-02-02

Private Club, Public Presence: The Art of Social Media Balance

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Private Club, Public Presence: The Art of Social Media Balance Every social media manager knows the pressure of sharing engaging content, but what if your job requires you to promote a luxury destination while protecting the privacy of members who pay hefty dues specifically for that privacy? That’s exactly what social media professionals in private clubs and exclusive resorts face every day. You’re tasked …

Agora Pulse 556 2025-02-01

White balance on an iPhone – any suggestions?

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White balance on an iPhone – any suggestions? (Sorry – photos are all different sizes, have to click in to see the full images) I have the iPhone 15 pro. Formerly professional photographer, just to say I understand light physics etc. I cannot get the white balance to be accurate without a color card. And overall, the tone has more green (always adding magenta). Are there settings that you…

Ask Photography 368 2025-01-30